I am performing Economics-Based Planning. On the Economic Assumptions for the Nominal Rates of Return for both Regular Assets and Retirement Accounts, I'd like to model the expectation of reduced returns over the next 10 years.

To illustrate, let's say my expectations on nominal returns to stocks are the following:

- over next ten years ~4% nominal
- over a 20+ year horizon ~6% nominal

To model this I have considered three approaches:

Can you help me understand what nominal rates of return control in the assumptions tab? It doesn't seem to be the total rate of return, but the 6% default value makes me think it isn't income generation.